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Medicare Overview

What is Medicare?

Medicare is the federal health insurance program, and it was created in 1965. This program was created to cover older Americans (those 65 years or older.) In addition, some folks with medical conditions or disabilities can get coverage from Medicare.


Most people will join Medicare when they turn 65 years old. In order to be eligible, most Americans will have to have worked for a minimum of 10 years. If you still have employer coverage when you turn 65, you will likely enroll in Medicare when you retire.

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Original Medicare (Parts A and B)? Is there more?

Original Medicare is Part A + Part B. Click below to read about Medicare Part C and Medicare Part D.

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Original Medicare (Parts A and B)? Is there more?

Original Medicare is Part A + Part B. Click below to read about Medicare Part C and Medicare Part D.

Learn More
Original Medicare (Parts A and B)? Is there more?

Original Medicare is Part A + Part B. Click below to read about Medicare Part C and Medicare Part D.

Learn More
When am I eligible for Medicare?

Typically, you are eligible for Medicare when you turn 65 or have certain health conditions if you are under the age of 65. Click the learn more button below to learn about your timeline to enroll.

Learn More
When am I eligible for Medicare?

Typically, you are eligible for Medicare when you turn 65 or have certain health conditions if you are under the age of 65. Click the learn more button below to learn about your timeline to enroll.

Learn More
When am I eligible for Medicare?

Typically, you are eligible for Medicare when you turn 65 or have certain health conditions if you are under the age of 65. Click the learn more button below to learn about your timeline to enroll.

Learn More
Am I required to enroll in Medicare?

Great question! No, you are not required to enroll in Medicare when you turn 65. However, if you don't enroll when you're first eligible you might be subject to penalties.

Am I required to enroll in Medicare?

Great question! No, you are not required to enroll in Medicare when you turn 65. However, if you don't enroll when you're first eligible you might be subject to penalties.

Am I required to enroll in Medicare?

Great question! No, you are not required to enroll in Medicare when you turn 65. However, if you don't enroll when you're first eligible you might be subject to penalties.

Isn't Medicare free?

Unfortunately, Medicare is not free for most folks. Typically Medicare Part A is premium-free if you or your spouse meet the qualifying work history. Medicare Part B has a monthly premium of $174.70 in 2024. You could pay more due to higher income.

Isn't Medicare free?

Unfortunately, Medicare is not free for most folks. Typically Medicare Part A is premium-free if you or your spouse meet the qualifying work history. Medicare Part B has a monthly premium of $174.70 in 2024. You could pay more due to higher income.

Isn't Medicare free?

Unfortunately, Medicare is not free for most folks. Typically Medicare Part A is premium-free if you or your spouse meet the qualifying work history. Medicare Part B has a monthly premium of $174.70 in 2024. You could pay more due to higher income.

Find Your Coverage

We're here to help you explore your coverage options.

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Marquette, MI 49855


kevindorr@mappingmedicare.com (906) 360-0948

An Overview of Medicare Parts A, B, C, & D

Medicare Part A (Hospital Coverage)

Part A covers mostly any time you would spend at the hospital. This includes inpatient care, skilled nursing, as well as needs required in a nursing home or for home health care needs.


Part A does not cover long term care, like longer periods of time in a nursing home. A good option is to purchase long-term care insurance in case you think you will use a nursing home down the road.


For most people, you will not have to pay a premium for Part A (you already paid into it during your time in the workforce.)


It is important to know that Part A is not totally free however. Medicare will charge a deductible any time you need to be admitted into a hospital. Supplemental insurance can help cover this.


If you have any questions regarding how to enroll in Part A, or what is covered, we are happy to help you!

Medicare Part B (Doctors + Outpatient)

Part B of Medicare will cover your doctor visits, tests and screenings, any medicare equipment you need, ambulances, and other services.


This can include cancer treatments (radiation/chemo), imaging, and dialysis.


Included also in Part B are things like flu shots, mammograms, colonoscopies, and more.


You should know, Part B will generally cost more than Part A. For some, it may be an idea to delay signing up for Part B. We can help you do this, and avoid any penalties.


If you already are taking Social Security benefits at age 65, you will be automatically enrolled. Otherwise, you will need to enroll at age 65. It is important to apply for coverage before you will need it to ensure you don't have a gap in your insurance.

Medicare Part C (Medicare Advantage)

Medicare Part C is an alternative to traditional Medicare, and you should know they are optional. A Part C Medicare plan is a private Medicare plan - one that pays instead of normal Medicare.


What you get with a Part C (Medicare Advantage, or MA) plan, is coverage that includes Parts A, B, and likely D into one plan.


You will still enroll in Part A and Part B, as well as Part C. MA Plans sometimes pay for things not included in original Medicare, like dental and vision.


For these plans, you will likely choose and HMO or PPO. With an HMO, you will choose a primary care provider. With a PPO, you will have a network of doctors and facilities to choose from.

Medicare Part D (Prescription Drug Coverage)

Part D of Medicare will pay some of your retail Rx drug costs. These plans have premiums, out-of-pocket costs, and copays. Some plans also have an annual deductible.


It is important to choose the right plan depending on what prescription drugs you are taking regularly.


Part D differs to Part A and B in that you will not enroll through Social Security. To enroll in Part D, you will choose from private insurance plans offered in your county.


Please note, these plans are optional, and there are rules for when you can enroll (and dis-enroll) from Part D.

Frequently Asked

Questions

Still have questions? Feel free to contact us for more information.

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  • How much will my Medicare cost? Medicare isn’t free? Is Part A free? What are the premiums I will have to pay?

    Most people, in fact, will have to pay some premiums for their Medicare coverage. The premiums (or lack of) is different between Part A, B, C, and D. It really comes down to your individual situation.


    You probably want to plan ahead – that means you are ahead of the game!


    If really want to drill down and figure out your Medicare, we are happy to help you. In fact, in one 30-min Medicare Consultation phone call (free), you can be on your way to enrolling yourself in Medicare and knowing exactly how much it will cost you.


  • What is the difference between Initial Enrollment, Annual Enrollment and Special Election?

    • The initial enrollment period for Part D lasts for seven months. It starts three months before someone turns 65 and ends three months after his/her birth month. So, if someone turns 65 on March 15, his or her initial enrollment period would last from January 1 through June 30.
    • The annual enrollment period is the same for all Medicare beneficiaries. It lasts from October 15 through December 7. During this period, people can enroll in Part D drug plans or switch their Medicare coverage without incurring any penalties. The new plan will go into effect on January 1st.
    • Some people may be able to enroll in Part D during what are known as special election periods. Eligible people include those who have recently left a group health insurance plan and people who have moved to different areas that are not covered by their current plans.
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